Using a mortgage broker online

Online mortgage broker NZ: how it works and how to get started

An online mortgage broker can save you trudging from bank to bank, and you can start from the couch whenever suits. Someone can get in touch when you're ready.

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Quick take

Start from home.

One short form on your phone or laptop, then phone, email or video, wherever you are in NZ.

A range of lenders.

Which ones depends on the broker and your situation.

A chat, not a commitment.

There's no obligation to go ahead.

What a mortgage broker generally does

Talks through your situation. Your deposit, income and plans shape which options are worth a look.
Explains the options. Fixed or floating, splitting your loan, and the paperwork.
Helps with the application. Often taking a good chunk of the paperwork off your hands.

How it works

Going it alone vs talking to a mortgage broker

	Approaching lenders yourself	Talking to a mortgage broker
Where you start	Separately with each lender	One conversation first
Options you hear about	Only that lender's	Can be a wider range, depending on the broker
Paperwork	Repeated for each lender	Can often be gathered once
Cost to you	Depends on the lender	Varies, so ask upfront

What to have handy

Roughly what you earn and how you're paid
Your deposit or the equity you might use
Details of any loans, credit cards or other debts
A rough idea of what you'd like to buy or borrow

Not sure which page suits you?

These pages cover first homes and moving in a bit more detail.

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Get in touch to talk through your options

About 2 minutes. We gather a few details and arrange for someone to get in touch to discuss your options.

What are you looking at?Rough price or loan sizeTimeframeMain incomeRegionSuburb or townBest time to callYour namePhoneEmailAnything else you'd like us to pass on? (optional)

I agree to Summit Mortgages passing my details to trusted advisers and lenders so they can get in touch about my loan. I understand this is a referral, not advice. See our Privacy Policy.

If you came from one of our ads, we also note which ad or campaign brought you here so we can measure our advertising, and we don't pass it on to the brokers and lenders we refer you to.

General information only, not advice. We're a referral service and may receive a commission.

Common questions

What is an online mortgage broker?: A mortgage broker you deal with by phone, email or video rather than in an office. Same idea, just handier.
Do I need a mortgage broker in NZ?: No, you can go straight to a lender. Plenty of people like talking the options through first, especially if their situation is a bit different.
How much does a mortgage broker cost?: It varies, so it's worth asking upfront how a broker is paid.
What happens after I leave my details?: We gather a few details and arrange for someone to get in touch at the time you choose to discuss your options. There is no obligation.